Finding economical car insurance for a Hyundai Elantra in California is pretty simple for most people to do, but it depends on a large number of factors such as how far you drive to work, the likelihood of vehicle theft, and driving violations and tickets. Drivers in California pay on average $1,201 per year to insure their Elantra, but that is a valuation based upon a 40-year-old married male driver with full physical damage coverage and $250 deductibles.
Odds are that you aren’t exactly 40 years old or even a male, single instead of married, or you just prefer to insure for liability only. This illustrates why the only real way to find the cheapest rates for your Hyundai is to do the rate comparisons yourself.
The trim level of your vehicle impacts price, so the cost to insure a Elantra GLS Touring Station Wagon will be $136 less than the cost to insure the more expensive Elantra SE Touring Station Wagon trim level, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Elantra GLS Touring Station Wagon||$270||$434||$386||$22||$116||$1,228||$102|
|Elantra Blue 4-Dr Sedan||$270||$624||$456||$26||$136||$1,512||$126|
|Elantra GLS 4-Dr Sedan||$310||$624||$456||$26||$136||$1,552||$129|
|Elantra SE 4-Dr Sedan||$310||$624||$456||$26||$136||$1,552||$129|
|Elantra SE Touring Station Wagon||$310||$530||$386||$22||$116||$1,364||$114|
|Get Your Own Custom Quote Go|
Data based on married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Rates do not factor in specific location which can change premium rates noticeably.
Picking a high-quality auto insurance company is difficult considering how many companies there are to choose from in California. The company ratings shown next could help you analyze which car insurance companies to look at when comparing rates.
These ratings are only made up of the largest auto insurers in America, so companies that have a smaller presence are not taken into consideration for this list. To check prices from the most competitive companies in California, click this link.
Top 10 Large Car Insurance Companies in Fresno Ranked by Customer Service
- AAA of Southern California
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Do you need full coverage?
Lowering the price of insurance should be important to most people, and one of the easiest ways to find cheaper insurance for a Hyundai Elantra is to only buy liability coverage. The information below shows the difference between premium costs when comparing full coverage to liability only. The information is based on no tickets, no at-fault accidents, $250 deductibles, single status, and no policy discounts are applied.
If we average all the age groups together, comp and collision coverage costs an additional $2,933 per year more than just insuring for liability. At some point, every insured wonders when is it a good idea to stop buying full coverage. There is no definitive guideline to delete full coverage, but there is a general convention. If the annual cost of coverage is more than about 10% of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.
How accidents and tickets impact rates
The obvious way to earn cheap insurance premiums in Fresno for an Elantra is to pay attention while driving and have a clean driving record. The chart below demonstrates how speeding tickets and accident claims can drive up auto insurance costs for each age group. The premiums are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of a car insurance policy in California per year with no violations or accidents is $2,780. Receive one speeding ticket and the average cost jumps to $3,151, an increase of $371 each year. Then throw in one accident along with the one speeding ticket and the 12-month cost of insurance for a Hyundai Elantra increases to an average of $4,209. That’s an increase of $1,429, or $119 per month, just for not driving responsibly!
The diagram below demonstrates how deductible levels can increase or decrease insurance premiums when quoting cheap insurance for a Hyundai Elantra. The price estimates are based on a married female driver, comp and collision included, and no other discounts are factored in.
The data above shows that a 40-year-old driver could pocket $408 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $614 by using a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could lower their rates up to $1,008 every year by using higher deductibles when buying full coverage.
When choosing a higher deductible, it will be necessary to have plenty of discretionary funds to cover the extra out-of-pocket expense associated with higher deductibles.
The agents below can help you decide which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get some help when buying car insurance for a Hyundai Elantra. It’s not always easy to find the cheapest rates, so getting advice from a licensed agent can provide satisfaction knowing your coverage gives you sufficient protection if you have a claim. To locate a Fresno auto insurance agent near you, click the link after the list.
New Horizon Insurance Services- Fresno
7543 N Ingram Ave #105 – Fresno, CA 93711 – (559) 244-6644
Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660
New Horizon Insurance Services
325 Clovis Ave #114 – Clovis, CA 93612 – (559) 322-2525